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Monday, June 15, 2009

After I Am Debt Free

As some of you know, I have been on the Dave Ramsey plan for around a year and a half. We started out with $56,000+ in credit card and medical debt, $15,000+ car debt, and around $10,000 in other (family, furniture etc) debt. We paid cash for our home so that isn't a factor.

Last year, we paid off around $46,000 of that debt. Yay!

Paying off that last half has slowed down a whole lot since Hubbs has been laid off. It sucks major ass. Luckily we put everything we could into savings because we knew that he was going to be laid off sooner or later.

So we have been watching our savings slowly dwindle down and only paying minimum payments. I am still working full time, Hubbs is still getting unemployment and doing side jobs for cash. I am doing surveys and trying to get into product trials to help out with the little "extras" like gifts and am saving my Swagbucks Amazon gift cards for Christmas.

Anyway..........I saw a great post on the We're Debt Free board asking what was our fantasy or dream after everything was paid off and saved up.

This is my "After Everything Is Paid Off Fantasy":I want to buy a big chunk of land (like 20 acres) and build my dream house on it. With cash of course. I have put a lot of thought into this fantasy. It keeps me focused on the light at the end of our debt tunnel.

My BIL builds houses for rich people in Colorado. He is used to working with picky people and has already agreed to build me a house when the time is right. Yes, even after being family to my crazy ass for over 6 years, he is still willing to do it. I am just as surprised as you are.